Bank Comparison
First Central State Bank vs Versabank USA, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Central State Bank | Versabank USA, N.A. |
|---|---|---|
| CET1 Ratio | — | 35.90% |
| Tier 1 Capital Ratio | — | 35.90% |
| Total Capital Ratio | — | 35.94% |
| Tier 1 Leverage Ratio | 13.41% | 24.51% |
| Equity / Assets | 12.36% | 23.62% |
Profitability
| Metric | First Central State Bank | Versabank USA, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.42% | 1.18% |
| Return on Equity (ROE) | 11.44% | 4.84% |
| Net Interest Margin (NIM) | 3.57% | 2.94% |
| Yield on Earning Assets | 5.28% | 5.74% |
| Cost of Funds | 1.89% | 3.81% |
Asset quality
| Metric | First Central State Bank | Versabank USA, N.A. |
|---|---|---|
| Texas Ratio | 2.31% | 0.06% |
| Non-Performing Loan Ratio | 0.40% | 0.02% |
| Non-Performing Asset Ratio | 0.27% | 0.01% |
| Net Charge-Off Ratio | 0.05% | 0.02% |
| ACL / Loans | 1.20% | 0.04% |
Balance sheet
| Metric | First Central State Bank | Versabank USA, N.A. |
|---|---|---|
| Total Assets | $783,989K | $782,851K |
| Total Deposits | $608,133K | $557,388K |
| Total Loans | $489,902K | $472,753K |
| Total Equity | $96,903K | $184,874K |
| Net Income (quarter) | $2,754K | $2,223K |
Liquidity & funding
| Metric | First Central State Bank | Versabank USA, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 80.56% | 84.82% |
| Core Deposit Ratio | 95.06% | 99.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Central State Bank | Versabank USA, N.A. |
|---|---|---|
| Headquarters City | DE WITT | HOLDINGFORD |
| Headquarters State | IA | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 23457 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 91 | 18 |
| Established | June 12, 1967, midnight | Oct. 10, 1910, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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